Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,665Cash toward the purchase price.
Closing costs + prepaids$18,279Not just lender fees.
Before credits & paid funds$81,944The complete starting cash picture.
Estimated remaining funds due at closing
$81,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,664.98
Your down payment$63,664.98
Closing costs + prepaids$18,278.64
Total buyer cash needed$81,943.62
Remaining funds due$81,943.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,606.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,826.00
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$2,502.98
Fees + prepaids$18,278.64
Your down payment is the seller’s equity. You take over the $521,335 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $81,943.62 is due at closing. Uses and sources reconcile at $603,278.64 each. Not a Closing Disclosure.